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Mutual Funds and Mutual Fund Investing - Fidelity Investments

Optimizing Social Security

Social Security offers guaranteed, inflation-protected income throughout your retirement. Deciding when to claim your benefits is a critical decision.

Your Social Security benefits are an important part of your retirement income. That's because they are guaranteed income, so they can be the bedrock of a sound retirement income plan.

You are eligible to receive your full benefit at your full retirement age (FRA), which has been gradually increasing from 65, and will soon be 67 for everyone. You can begin collecting a reduced benefit as early as age 62. In general, the earlier you choose to begin receiving benefits, the lower your monthly payment will be.

After answering 5 simple questions, the Social Security benefits calculator provides a ballpark estimate of projected monthly and lifetime benefits across different claiming ages.

Read the Viewpoints articles below to help understand when and how to start taking Social Security benefits.

When should you take Social Security? If you can wait a few years, you can boost your benefits.

Clarity begins with a conversation

Contact Fidelity today for 1:1 guidance during life's big decisions. We believe in making the complex simpler, because we want you to be confident about the decisions you make—next week, next year, and beyond.

The information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Fidelity does not provide legal or tax advice. Fidelity cannot guarantee that such information is accurate, complete, or timely. Laws of a particular state or laws that may be applicable to a particular situation may have an impact on the applicability, accuracy, or completeness of such information. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pretax and/or after-tax investment results. Fidelity makes no warranties with regard to such information or results obtained by its use. Fidelity disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Always consult an attorney or tax professional regarding your specific legal or tax situation.

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

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Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.